🤑 5 Real Ways to Generate Passive Income with Cryptocurrencies in 2025
The world of cryptocurrencies continues to evolve, and with it, the opportunities to earn passive income. If you’re looking for ways to make your money work for you, this article is for you. Here, we explain 5 proven and effective methods to generate passive income with crypto in 2025.
1. 💼 Staking: Make your coins work for you
Staking involves locking up your cryptocurrency to help validate transactions on a blockchain network, such as Ethereum 2.0 or Solana. In return, you receive periodic rewards, similar to bank interest.
✅ Advantages:
Generates returns between 4% and 15% annually
Low risk if you use well-known platforms (Binance, Kraken)
❗ Tip: Make sure you use reputable wallets or exchanges to avoid losses.
2. 📈 Yield Farming in DeFi
Yield Farming is an investment strategy within decentralized finance (DeFi), where you lend or deposit crypto assets on platforms such as Aave, Curve, or Uniswap.
✅ Advantages:
Higher returns than staking (up to 30% APY)
You can earn additional rewards in tokens
⚠️ Risk: Price volatility and possible smart contract bugs.
3. 🤖 Automated Trading Bots
Platforms like Pionex or 3Commas allow you to use trading bots that operate automatically 24/7, executing buys and sells based on defined parameters.
✅ Advantages:
You don’t need advanced technical knowledge
Ideal for volatile markets
❗ Important: Use bots with conservative strategies and always monitor their performance.
4. 🌐 Crypto Loans (Lending)
On platforms like Nexo, BlockFi, or Crypto.com, you can lend your cryptocurrencies and receive fixed interest. It works like a bank, but without traditional intermediaries.
✅ Average earnings: between 6% and 12% per year
🛡️ Tip: Check if the platforms offer fund insurance or liquidity reserves.
5. 🖼️ NFTs with profitability
Some NFTs (such as virtual land or metaverse-type games) offer passive income through rent or token rewards.
🎮 Examples: Decentraland, Sandbox, NFTFi
| Method | Risk |Estimated profit | Ideal for… |
| ——————- | —— | —————– | ——————|
| Staking | Low | 4–15% annual | New investors |
| Yield Farming | Half | 10–30% APY | Active DeFi users |
| Bots de Trading | Half | Variable | Busy traders |
| Loans(Lending) | Low | 6–12% annual | Crypto savers |
| NFTs Profitable | High | Variable | Web3 Users |
🚀 Conclusion
In 2025, you don’t need to be an expert to make money with cryptocurrencies. From staking to NFTs, there are many ways to earn passive income. The most important thing is to do your research, diversify, and use secure platforms.
🏦 Personal Finance
Saving money may seem difficult at first, but with a few simple habits and strategies, you can consistently achieve it. Here are some practical tips for saving money:
🧠 1. Change your mindset
Think of saving as “paying your future self.”
Set clear goals (for example: an emergency fund, a trip, buying a house).
📒 2. Make a budget
Write down your income and all your monthly expenses.
Use the 50/30/20 rule:
50% needs (rent, food, transportation)
30% wants (entertainment, going out)
20% savings or debt payments
💰 3. Automate savings
Schedule a monthly automatic transfer to a savings account.
This way, you’ll save without realizing it and avoid spending it.
🛒 4. Spend consciously
Before buying something, ask yourself: Do I really need it?
Avoid impulse purchases. Wait 24 hours before making a large purchase.
🍽️ 5. Reduce unnecessary expenses
Cook at home instead of ordering in.
Cancel subscriptions you don’t use.
Use public transportation or carpool if possible.
🎯 6. Set savings goals
For example: “Save $100 a month for a year.”
Break down large goals into smaller, achievable ones.
📈 7. Track your progress
Use apps like Fintonic, Monefy, or Spendee to track your spending.
Seeing how your savings grow will motivate you to keep going.
🏦 8. Open a separate savings account
This way, spending money doesn’t mix with the money you want to save.
If you can, choose an interest-bearing account.
Tips for managing debt
✅ 1. Conduct a debt assessment
Write down all your debts: how much you owe, to whom, how much you pay each month, and what.
Being clear is the first step to taking control.
🎯 2. Set priorities
High-interest debts (like credit cards) should be paid first.
Another option: Pay off the smallest debt first to gain motivation.
🧠 This method is called “snowballing” and can help you stay focused.
📅 3. Pay on time
Always pay before or on the due date to avoid overdrafts.
Set reminders or automatic payments so you don’t forget.
💳 4. Avoid going deeper into debt
While paying, don’t use credit cards or take out new loans.
If you need to use the card, pay it off immediately.
📉 5. Pay more than the minimum
The minimum payment only covers interest, and the debt barely goes down.
Even if it’s just a little, add a little extra each month to make progress faster.
🧩 6. Restructure if necessary
If the debt is very heavy, contact your bank or institution and ask for a payment plan or consolidation (consolidating all your debts into one with less interest).
💰 7. Create an emergency fund
Even if you’re paying off debt, try to set aside a little each month.
An emergency fund prevents you from going back into debt if something unexpected arises.
📊 8. Keep track of your expenses
Make a monthly budget to see where your money is going.
Eliminate or reduce unnecessary expenses and allocate that money to paying off debt.
🧠 9. Maintain a positive mindset
Getting out of debt takes time, but it’s totally possible if you’re consistent.
Celebrate your progress (even if it’s small) to stay motivated.
Credit card comparisons
A practical guide with key factors to compare, followed by some common types of cards you might find:
✅ Factors to Compare Credit Cards
Features: What to Look For
Interest Rate (CAT/TIIE): The lower the better. Ideal if you don’t pay the full amount each month.
Annual Fee: Some cards don’t charge a fee, while others do. Evaluate whether the cost is worth the benefits.
Credit Limit: Adjusts to your income and spending level.
Benefits: Rewards, points, miles, cashback, travel insurance, etc.
Income Requirements: Make sure you meet the minimum income requirement.
App and Digital Control: Allows app-based control (blocking, payments, tracking).
Interest-Free Months (IFM): Useful if you purchase durable goods, but don’t be overconfident.
Additional Fees: Check for charges for cash withdrawals, late payments, etc.
💳 Common types of credit cards
Ideal for…
Basic/No annual fee: First-time users, people with low incomes or limited usage.
With rewards (points): People who spend frequently and pay everything on time.
Cashback: Users who want to get a percentage of their purchases back.
Travel/premium: People who travel frequently (includes insurance, lounge access, etc.).
For building credit: Young people or people with no credit history.
📊 Comparative example (Mexico, 2025 – widespread)
Annual Interest Card (CAT) Benefits Minimum Income
HSBC 2Now $0 80% approx 2% cashback on purchases $5,000 MXN
Nu (Nubank) $0 65-80% approx User-friendly app, total control $5,000 MXN
BBVA Azul $699 65-75% approx BBVA Points, MSI in stores $6,000 MXN
Santander LikeU $0 (promotion) 65-80% approx Customizable cashback categories $7,500 MXN
American Express Gold $3,100 approx 50-60% approx Points, insurance, premium benefits $15,000+ MXN
Personal and bank loans
Let’s talk about personal and bank loans: what they are, their differences, advantages, risks, and what you should consider before applying for one. This way, you’ll make the best decision based on your situation.
💳 What is a personal loan?
A personal loan is money that a bank, financial institution, or digital platform lends you for your own use: travel, emergencies, debt, education, etc. You agree to repay it in monthly installments with interest.
🏦 What is a bank loan?
In general, it’s the same: personal loans can be bank-based or non-bank-based. What changes is who lends you the loan:
Type of lender: Examples: Bank: BBVA, Santander, Banorte, Bancolombia, etc.
Non-bank: Kueski, Mercado Crédito, Klar, Creditea, etc.
📊 General Comparison
Features: Bank loan Non-bank loan (fintechs)
Requirements: Stricter (proof of income, credit history) More flexible, even without credit history
Interest rates: Lower overall Higher (higher risk for the lender)
Available amounts: Larger (from $20,000 to $500,000 MXN or more) Small and medium-sized loans ($1,000 to $100,000 MXN)
Terms: Long (up to 60 months) Short to medium (up to 36 months)
Approval time: Slower (2-5 days) Faster (in minutes or hours)
Support: In-person and digital 100% digital (app or web)
✅ Advantages of personal loans
Quick cash for emergencies or projects.
Fixed installments you can plan for.
They help you build or improve your credit history (if you pay on time).
⚠️ Risks to consider
High interest rates if you don’t compare carefully.
Over-indebtedness if you take out multiple loans at once.
Penalties for late or early payments.
Possible impact on your credit history if you don’t pay on time.
🔍 What should you check before applying for one?
Total interest rate (APR).
How much you’ll end up paying in total.
**If you can afford it without compromising your budget.
Basic financial education
Basic financial education is a powerful tool for making better decisions with your money, avoiding unnecessary debt, and achieving your personal goals.
Here’s a clear, simple, and helpful guide to get you started:
📚 What is financial education?
It’s the knowledge and skills you need to manage your money wisely. It includes knowing how to save, spend wisely, invest, manage debt, and plan your financial future.
💡 Pillars of basic financial education
1. 💰 Budget
It’s a plan to understand how much you earn, how much you spend, and what you spend it on.
It helps you avoid unnecessary expenses and organize your finances.
Basic monthly budget example:
Item Amount
Total income $10,000
Fixed expenses $5,000
Savings $1,000
Variable expenses $3,000
Extras $1,000
👉 Use apps like Monefy, Fintonic, Wallet, or a notebook to keep track of it.
2. 🏦 Savings
Set aside a portion of your income (ideally, at least 10%) each month.
Save for emergencies, goals, or investments.
Tip: Automate your savings so they’re consistent and you don’t forget.
📉 Debt
It’s not a bad thing to have debt, what’s bad is not knowing how to control it.
Prioritize paying off your most expensive debts (credit cards, high-interest loans).
Never borrow to pay off another debt.
4. 📈 Investment
Once you have control of your budget and an emergency fund, you can start investing.
Investing isn’t just for the rich. There are options for small amounts: CETES (Spanish Tax Credits), funds, fintechs.
5. 🎯 Financial Goals
Set clear goals: “I want to save $5,000 in 6 months for my laptop.”
This motivates you and gives you direction.
6. 🛡️ Insurance and Protection
Consider basic insurance: health, life, or auto, if applicable.
They’re a safety net to keep your finances safe if something unexpected happens.
✅ Practical tips to start today
Write down your expenses for a week (you’ll be surprised!).
Avoid impulse purchases: wait 24 hours before buying anything non-essential.
Pay your debts on time.
Constantly learn: books, videos, podcasts.
📚 Helpful recommendations for further learning:
Book: “Rich Dad, Poor Dad” – Robert Kiyosaki
YouTube channel: “Morris Invest” or “The Wolf of Finance”
Free course: Financial Education from CONDUSEF (Mexico)
📈 Investment
📈 What is the Stock Exchange?
It is an institution or platform where financial instruments are traded. It serves to:
Channel savings and investments.
Facilitate liquidity.
Set asset prices based on supply and demand.
Examples: NYSE (USA), Nasdaq (USA), BMV (Mexico), B3 (Brazil), Madrid Stock Exchange (Spain).
🏢 Shares
A share represents a proportional part of a company’s capital. When you buy a share, you become a shareholder, that is, a partial owner of that company.
Characteristics:
Right to dividends (if they are distributed).
Possibility of capital gains (if the price rises).
Risk of loss (if it falls or the company goes bankrupt).
Example:
Buying 10 shares of Apple means you own a small fraction of that company.
📊 ETF (Exchange-Traded Funds)
An ETF is an investment fund that trades on the stock exchange like a stock. Its objective is to replicate the performance of a specific index, sector, or asset.
Advantages:
Instant diversification (invests in many assets at once).
Liquidity (bought and sold in real time).
Low costs (compared to traditional funds).
Example:
SPY: replicates the S&P 500 index.
QQQ: replicates the Nasdaq 100.
VTI: includes almost the entire US stock market.
🛠️ How to invest in the stock market?
Open an account with a brokerage firm or broker (such as eToro, GBM+, Interactive Brokers).
Deposit funds.
Choose your instruments (stocks, ETFs, etc.).
Buy and monitor your investments.
💼 What is an Investment Fund?
It’s a collective investment company or vehicle managed by professionals. You buy shares or units in the fund, and with that money, the fund invests in various instruments.
Key Components:
Investors: contribute the money.
Fund Manager: makes the investment decisions.
Fund Assets: stocks, bonds, derivatives, etc.
🧠 How does it work?
You invest $10,000 in a fund.
Other investors do the same.
The fund pools all that money and purchases various assets.
It obtains a proportional share of the portfolio’s performance.
🧾 Types of Investment Funds
🟢 According to the type of assets:
Fixed-income funds: invest in bonds, paying interest.
Equity funds: invest in stocks.
Mixed funds: combine stocks and bonds.
Money market funds: very conservative, with low returns.
Index funds: track a stock market index (such as the S&P 500).
🟦 According to the investment policy:
Active: the manager makes active decisions seeking to outperform the market.
Passive: track an index without attempting to outperform it (such as ETFs).
📊 Differences with ETFs
Features of ETF Investment Funds
Buy/Sell At the close of trading
Management fee: Usually higher
Generally low
Diversification: High
High
Management: Active or passive
Mainly passive
✅ Advantages:
Diversification without needing a lot of capital.
Professional management.
Access to complex markets (emerging, real estate, etc.).
⚠️ R
Non-guaranteed returns.
Management costs:
Lower liquidity than ETFs (in some cases).
🛠️ How to invest?
Open an account with an institution.
Choose a fund based on your risk profile (conservative, moderate, aggressive).
Review the fund’s prospectus (historical performance, costs, assets).
Invest and monitor periodically.
Real estate (or RE) is a traditional and tangible form of investment that involves acquiring physical properties, such as houses, apartments, land, offices, or commercial spaces, with the goal of generating income or capital gains.
🏠 What is real estate investing?
It involves investing your money in real estate with the following objectives:
Generating passive income (from rent or lease).
Gaining value over time (property appreciation).
Diversifying your portfolio and protecting it from inflation.
🧱 Ways to invest in real estate
1. 🏡 Direct purchase of properties
Houses, apartments, land, commercial spaces.
You can rent or resell.
Advantages:
Tangible asset.
Constant income stream.
Possible increase in value.
Disadvantages:
Requires high capital.
Maintenance costs, taxes, tenants.
Low liquidity (selling may take time).
2. 🏢 FIBRAs (Mexico) or REITs (US)
Funds that invest in real estate portfolios and are publicly traded. You can buy a portion, just like a stock.
Example: FIBRA Uno, Vesta, REITs like Realty Income (O), VNQ (REIT ETF).
Advantages:
Low-cost investment.
High liquidity (sold like stocks).
Cash flow via dividends.
Disadvantages:
Stock market volatility.
Less control over the property.
3. 🌐 Real Estate Crowdfunding Platforms
Websites where you can invest in real estate projects from low amounts (e.g., $5,000 MXN).
Examples: Briq, 100 Ladrillos, Inverspot (Mexico), Fundrise (US).
Advantage:
Low capital access.
Diversification by project.
Digital transparency.
Disadvantages:
Project risk.
Less liquidity.
May require more analysis.
📊 Why invest in real estate?
Inflation protection.
Generation of passive income.
Asset security.
Portfolio diversification.
🧠 Tips before investing
Evaluate location, rental demand, hidden costs.
Compare expected return vs. risk.
Don’t forget to consider taxes and local regulations.
Do your research if you choose
Here’s a rundown of some of the most popular investing apps, such as eToro and Robinhood, plus other options depending on the country and type of investment you’re interested in (acc
🌎 International Apps (available in several countries)
1. eToro
💡 Ideal for: Beginners and social traders.
✅ Offers: Stocks, ETFs, cryptocurrencies, forex, commodities.
🌍 Available in many countries (except some in Latin America).
🧩 Highlighted feature: CopyTrading (you can copy other people’s portfolios).
💵 Minimum: from $10 USD.
📱 Intuitive platform with an active community.
2. Interactive Brokers (IBKR)
💡 Ideal for: More advanced investors.
✅ Access to global stocks, ETFs, options, futures, bonds.
📉 Low commissions, competitive spreads.
🌍 Available almost everywhere. world.
💵 Minimum: from $100 USD.
3. Comercio 212
💡 Ideal match: Beginners in Europe.
✅ Offers stocks, ETFs, and CFDs.
🆓 No commissions.
🌍 Very good.
4. Robinhood (US and UK only)
💡 Ideal for: Young and active investors.
✅ Stocks, ETFs, options, cryptocurrencies.
🆓 No commissions per trade.
📉 Very easy to use, but with fewer analytical tools.
🇲🇽 Apps in Mexico
1. GBM+
✅ Stocks, ETFs, funds, Cetes (Treasury Bonds).
💵 Minimum
🆓 No fees (for long-term investments).
📊 Tool
2. Kuspit
🎯 Focused on financial education.
✅ Access to Mexican stocks and funds.
🧠 Good for beginners.
3. CETES Director
✅ Investment
🧩 Very secure and without intermediaries.
💵 From $100 MXN.
🇪🇸 Apps in Spain
1. Degiro
✅ Stocks, ETFs, bonds, derivatives.
💸 Low fees.
🌍 Access to global markets.
2. My Investor
✅ Index funds, pension plans, ETFs.
📉 Ideal for passive investing.
🏠 For real estate
1. Fundrise (US)
✅ Invest in real estate portfolios.
💵Starting at $10 USD.
🧩 Passive real estate investing.
2. 100 Ladrillos / Briq / (Mexico)
✅ Real estate crowdfunding.
💵 Starting at $1,000–5,000 MXN.
📊 You can choose specific projects.
⚠️ Tips when choosing an investment app
Check if it’s regulated in your country.
Review fees, minimums, and spreads.
Consider whether you want to actively invest for the long term.
Choose apps with a good interface and educational support if you’re a beginner.
Planning for retirement
Retirement planning is the process of organizing your finances now to ensure you’ll live comfortably when you stop working.
It’s one of the most important financial decisions of your life, and the sooner you start, the better the outcome will be.
🎯 Goal of Retirement Planning
Maintain your quality of life when you no longer earn income from work.
Avoid depending on family or the government.
Have the freedom to enjoy this stage (travel, rest, start a business, etc.).
📅 When to start?
👉 The sooner the better
Starting at age 25–35 gives you decades of advantage thanks to compound interest. Waiting until 45 or 50 limits your options and increases the effort required.
🧩 Key elements of a retirement plan
1. 📊 Calculate how much you’ll need
Estimate your monthly retirement expenses (housing, healthcare, food, etc.)
Let’s consider inflation.
Multiply by the number of years you expect to live after retirement (e.g., 25-30 years).
Use the 4% rule: you need to accumulate about 25 times your annual expenses to live off the returns on your investments.
2. 💼 Define your future income sources
✅ Savings
✅ Pension funds (IMSS, ISSSTE, etc. if you’re in Mexico).
✅ Private retirement plans (AFORE, PPR, 401(k), IRA, etc.).
✅ Investments: real estate, stock market, funds, etc.
✅ Businesses or passive income.
3. 📈 Choose appropriate investment instruments
Depending on your age and risk profile:
Age Approach Recommended Instruments
20–30 years Aggressive growth Stocks, ETFs, index funds
40s Balanced Mixed (stocks + bonds)
50s and 60s Conservative Bonds, fixed income, CETES, FIBRAs
💵 Save and invest consistently
Apply the principle of paying yourself first: save before spending.
Automate monthly contributions to retirement funds or accounts.
Increase your savings every time your income increases.
5. 📉 Avoid common mistakes
Starting late.
Not diversifying.
Depending solely on the government.
Withdrawing money early from your fund.
Not considering medical expenses in old age.
🧰 Useful tools
Retirement simulators (such as those from CONSAR or banking apps).
AFORE (Personal Retirement Plan): Review your current status and choose the one that provides the best returns.
PPR (Personal Retirement Plan): Offers tax benefits (tax-deductible in Mexico).
IRA or 401(k) accounts in the US
✅ Practical recommendation
Define your desired retirement age.
Calculate how much you’ll need.
Save at least 10–15% of your annual income (more if you start late).
Invest with a long-term horizon.
Review your plan every year.
🪙 Cryptocurrencies and Web3
💰 Cryptocurrencies: Bitcoin, Ethereum, and Altcoins
1. Bitcoin (BTC)
The first cryptocurrency created in 2009.
It functions as decentralized digital money.
Limited to 21 million coins, it is seen as “digital gold” as a store of value.
2. Ethereum (ETH)
Launched in 2015, it is much more than a currency.
A platform for smart contracts and decentralized applications (DApps).
Its cryptocurrency (Ether) is used to pay for transactions and participate in DeFi, NFTs, etc.
3. Altcoins
All other cryptocurrencies that are not Bitcoin.
Examples: Cardano (ADA), Solana (SOL), Polkadot (DOT), Chainlink (LINK), Binance Coin (BNB).
They can have specific functions: speed, privacy, smart contracts, etc.
🏦 Exchanges: Platforms for buying and selling crypto
Most popular:
Binance: Wide variety of cryptos, low fees, advanced options.
Kraken: Robust security, strong regulation, good for beginners and advanced users.
Coinbase: Very beginner-friendly, highly regulated.
Bitso: Popular in Latin America, easy local access.
FTX, Huobi, KuCoin (other widely used ones, but always verify security).
🔐 Crypto Wallets and Security
Types of wallets:
Hot wallets: connected to the internet (apps, exchanges). More practical but less secure.
Cold wallets: offline, such as hardware wallets (Ledger, Trezor). Maximum security for storing large amounts.
Good security practices:
Use 2FA (two-factor authentication).
Don’t share your private keys.
US hardware wallets for large funds.
Beware of phishing scams.
Keep a copy of your seed phrases in a safe place.
🌱 Staking, Farming, and DeFi
1. Staking
Locking up your crypto to support the network (proof of stake).
Receive passive rewards in the form of more tokens.
Example: staking ETH 2.0 or Cardano.
2. Yield Farming
Deposit cryptocurrencies in DeFi protocols to earn interest and/or tokens.
More risk than gambling, but with potentially higher returns.
3. DeFi (Decentralized Finance)
Financial platforms without intermediaries (banks).
You can lend, borrow, trade assets, and obtain liquidity.
Examples: Uniswap, Aave, Compound.
🎨 NFTs and Metaverse
1. NFTs (Non-Fungible Tokens)
Unique tokens that represent digital property (art, music, collectibles).
Not interchangeable one-to-one like regular cryptocurrencies.
Platforms: OpenSea, Rarible, Foundation.
2. Metaverse
3D virtual worlds where you can interact, work, play, and trade.
They use cryptocurrencies and NFTs for the internal economy.
Examples: Decentraland, The Sandbox, Axie Infinity.
5 best platforms for investing from Latin America in 2025
🥇 1. Interactive Brokers
Ideal for: Advanced investors looking for global access.
Advantages:
Access to more than 135 markets in 33 countries.
Competitive commissions and tight spreads.
Professional platforms like Trader Workstation (TWS).
Disadvantages:
Requires a certain level of trading knowledge.
Somewhat lengthy account opening process.
Recommended for: Experienced investors looking to diversify globally.
hapi.trade
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5
fxstreet.com
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5
fxstreet.es
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🥈 2. API (Apex Clearing)
Ideal for: Latin American investors looking for a simple and affordable platform.
Advantages:
Low commissions: $0.10 USD per full share purchase/sale.
Local deposits in local currency.
Access to stocks, ETFs, and cryptocurrencies.
Disadvantages:
Limited technical analysis tools.
Not ideal for professional traders.
Recommended for: Beginners looking for an affordable entry into the market.
elimparcial.com
cincodias.elpais.com
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3
reuters.com
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elimparcial.com
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🥉 3. GBM (Grupo Bursátil Mexicano)
Ideal for: Investors in Mexico who want to trade in domestic and international markets.
Advantages:
Regulated by the CNBV.
Access to the Mexican Stock Exchange and international markets.
Intuitive platform and support in Spanish.
Disadvantages:
Fees may be higher compared to international platforms.
Recommended for: Mexican investors looking to trade in the domestic and international markets.
🏅 4. Hapi.trade
Ideal for: Latin American investors looking for a modern and accessible platform.
Advantages:
Investments starting at $5 USD.
No hidden fees.
Access international markets with a user-friendly interface.
Disadvantages:
Offers a limited range of assets compared to larger platforms.
Recommended for: Beginners looking for a simple entry into the market.
hapi.trade
fxstreet.es
reuters.com
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es.dailyforex.com
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cincodias.elpais.com
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🏅 5. Bitso
Ideal for: Investors interested in cryptocurrencies and digital financial services.
Advantages:
Operations in multiple LATAM countries.
Offers services such as payments, savings, and cryptocurrency investments.
Regulated platform licensed by the Gibraltar Financial Services Commission.
Disadvantages:
Primary focus on cryptocurrencies, which may not be suitable for all investors.
Recommended for: Investors looking to diversify into the cryptocurrency world.
elpais.com
es.wikipedia.org
Summary of recommendations:
For global access and professional tools: Interactive Brokers.
For a cost-effective and easy entry into the market: API.
For trading in the Mexican market with local support: GBM.
For a modern and accessible platform: Hapi.trade.
To explore cryptocurrency investments: Bitso.
“How to Start Investing in Cryptocurrencies Without Experience”
🚀 How to Start Investing in Cryptocurrencies with No Experience
1. 📚 Educate yourself before investing
Learn the basics: What is Bitcoin? What is a wallet? What is an exchange?
Use free resources: videos, blogs, podcasts, or introductory courses.
Understand that cryptocurrencies are volatile and risky assets.
2. 🔍 Choose a reliable platform to buy and sell
Recommended platforms for beginners:
Binance (global, many cryptocurrencies)
Coinbase (very easy to use)
Bitso (popular in Latin America)
Verify that the platform is reputable and regulated.
3. 🛡️ Create a secure wallet
You can use the exchange’s internal wallets to get started (hot wallets).
For added security, use external wallets (such as Trust Wallet or Ledger-type hardware wallets).
Never share your private keys or seed phrases.
4. 💸 Decide how much money to invest
Only invest money you’re willing to lose.
Start with small amounts to understand how it works.
Never use credit or emergency money.
5. 🛒 Buy cryptocurrencies
Start with the most well-known ones: Bitcoin (BTC) or Ethereum (ETH).
Use simple buy orders.
Avoid investing in “promises” or little-known cryptocurrencies without research.
⏳ Be patient and plan for the long term
Cryptocurrencies can be highly volatile.
Don’t try to “guess” the best time to buy or sell.
Consider investing regularly with small amounts (DCA, Dollar Cost Averaging).
7. 🔄 Learn about trading, staking, and DeFi little by little
Once you have experience, explore how to earn more with staking or DeFi protocols.
Don’t pressure yourself into using advanced tools without understanding the risks.
8. 🛑 Avoid frauds and scams
Don’t fall for “safe investments” or pyramid schemes.
Be wary of projects that promise guaranteed returns.
Always use official sources to download apps.
⚠️ Quick Summary to Get Started Safely
Step Action
1 Research and Learn
2 Find a Reliable Exchange
3 Open a Secure Wallet
4 Invest Small and Wisely
5 Buy Major Cryptocurrencies
6 Be Patient and Diversify
“The best high-yield savings accounts in 2025”
🏦 The Best High-Yield Savings Accounts in 2025
In 2025, saving no longer means letting your money sit idle. There are savings accounts that offer attractive returns without putting your capital at risk. In this article, we present the best options available based on interest rates, affordability, and security.
🔝 1. Ally Bank – Online Savings Account
Interest Rate (APY): 4.25% per year
Minimum Deposit: $0
Advantages: No monthly fees, intuitive app
Ideal for: People who manage everything from their smartphone
💼 2. Marcus by Goldman Sachs
APY: 4.40%
Minimum Deposit: $0
Best: Backed by a strong bank, no hidden fees
Ideal for: Hassle-free medium-term savings
💳 3. Discover Online Savings
APY: 4.30%
Benefits: No fees, 24/7 customer service
Minimum Deposit: $0
Ideal for: People who already use Discover products
🌐 4. Banco Azteca (Latin America)
APY (MXN): Up to 11.5% depending on the term
Advantages: High yield in currency Local
Ideal for: Users in Mexico who want to earn interest quickly
🪙 5. Stablecoin Savings Accounts (USDC, USDT)
APY: 6% – 12% (depending on the platform)
Platforms: Nexo, Binance Earn, Crypto.com
Risk: Higher than traditional bank accounts
Ideal for: Users familiar with cryptocurrencies
📊 Quick Comparison
Account APY (%) Minimum Deposit Rate
Ally Bank 4.25% $0 Online Bank (US)
Marcus 4.40% $0 Traditional / Online
Discover 4.30% $0 Online Bank
Banco Azteca 6-11% $1 (MXN) Traditional
Stablecoins 6-12% Variable Crypto / DeFi
🧠 How to Choose the Best Account?
Security: Make sure it’s FDIC-insured (or equivalent).
Ease of Access: Can you move your money easily?
Real Return: Considers inflation, taxes, and fees.
✅ Conclusion
If you’re looking for a way to grow your savings without investing in risky products, these high-yield accounts are an excellent option in 2025. Whether you prefer traditional banks or are exploring decentralized finance, there’s an ideal account for every profile.
“Comparison: Binance vs Coinbase – Which is better?”
“Comparison: Binance vs. Coinbase – Which is better in 2025?”
🪙 Binance vs. Coinbase – Which is better in 2025?
Both Binance and Coinbase are leading platforms for buying, selling, and managing cryptocurrencies. But which is better in 2025? Here we compare their fees, security, ease of use, available cryptocurrencies, and more, so you can choose the best option for your needs.
📊 Quick Comparison Table
Features: Binance Coinbase
Trade Fee: 0.1% (up to 0%) 1.49% (up to 3.99%)
Cryptocurrencies: 350+ 250+
Advanced and Customizable Interface: Simple and User-Friendly
Security: 2FA, SAFU Funds, FDIC (US), 2FA
Staking: Yes Yes
Crypto Card: Yes (Visa) Yes (Visa)
KYC (Verification): Required Required
Ideal Clients: Active and DeFi Traders, Beginners, and HODLers
🧩 1. Ease of Use
Coinbase is ideal for beginners. It has a clean interface, simple purchases, and educational support.
Binance is more comprehensive but can be complex for new users.
✅ Winner: Coinbase for beginners, Binance for advanced traders.
💰 2. Fees and Costs
Binance: Very low fees (0.1%) and discounts if you use BNB.
Coinbase: Higher fees, although its Pro version (now “Advanced”) reduces them.
✅ Winner: Binance
🔒 3. Security
Both platforms offer two-factor authentication (2FA).
Coinbase is regulated in the US and offers insurance for USD accounts.
Binance has faced more regulatory issues, although it has the SAFU fund to protect users.
✅ Technical tie, although Coinbase offers greater legal peace of mind in the US and Europe.
🌐 4. Variety of Cryptocurrencies and Features
Binance offers over 350 cryptocurrencies, margin trading, futures, launchpads, and DeFi.
Coinbase has fewer features but offers staking, NFTs, and crypto education.
✅ Winner: Binance, for diversity.
🛠️ 5. Additional Services
Binance Coinbase Service
Crypto Card Yes (Visa) Yes (Visa)
NFT Marketplace Yes Yes
Staking Yes Yes
DeFi Access Advanced Limited
🎯 Final Verdict: Which is Better?
User Profile Recommended Platform
👶 Complete Beginner Coinbase
👨💻 Advanced Trader Binance
💼 Institutional User Coinbase Prime
🌍 Non-US User Binance
📝 Conclusion
Both platforms are excellent, but the choice depends on your experience level, country, and crypto goals.
If you value simplicity and regulation, choose Coinbase.
If you’re looking for low fees and advanced features, go with Binance.
“How cryptocurrency staking works and how much you can earn”
🪙 How Cryptocurrency Staking Works and How Much You Can Earn in 2025
Cryptocurrency staking is one of the most popular ways to generate passive income in the crypto world. But how does it actually work? What risks does it entail? How much can you earn in 2025?
In this article, I explain what staking is, how to do it, and which cryptocurrencies offer the best returns.
🔧 What is staking?
Staking is the process of locking a quantity of cryptocurrency on a blockchain network to help validate transactions and, in return, receive rewards.
It only works on blockchains that use the Proof of Stake (PoS) algorithm, such as Ethereum, Solana, Cardano, or Polkadot.
✅ What do you need to stake?
Staking-compatible cryptocurrencies (e.g., ETH, SOL, ADA)
A wallet or exchange that supports staking (e.g., Binance, Kraken, Ledger, Trust Wallet)
In some cases, minimum buy-in requirements apply (e.g., 32 ETH if you stake directly on Ethereum)
💸 How much can you earn with staking in 2025?
Estimated Cryptocurrency APY Suggested Platform
Ethereum (ETH) 3.5% – 4.5% Lido, Binance, Coinbase
Solana (SOL) 6% – 7% Phantom, Binance, Kraken
Cardano (ADA) 3% – 5% Yoroi, Daedalus, Binance
Polkadot (DOT) 10% – 12% Ledger, Kraken
Avalanche (AVAX) 7% – 9% Ledger, Binance
Cosmos (ATOM) 13% – 15% Keplr Wallet, Kraken
💡 APY = estimated annual yield. May vary depending on the network and exchange used.
🧠 Types of staking
Staking on a centralized exchange (easy, but less control)
Ex: Binance, Coinbase, Kraken
Staking on non-custodial wallets (more secure, you hold the keys)
Ex: Ledger, MetaMask, Trust Wallet
Liquid staking – you can use your tokens in DeFi while they’re locked.
Ex: Lido, Rocket Pool
⚠️ Staking risks
Price volatility: If the token drops significantly in value, your returns may not compensate for the loss.
Locked funds: Some tokens require your funds to be locked for days or weeks.
Platform risk: If you stake on an exchange and it crashes or goes bankrupt, you could lose your funds.
Slashing: Some networks penalize misconfigured validators (does not apply if you delegate to a trusted one).
🔎 Is staking worth it?
✅ Yes, if:
You already hold cryptocurrencies for the long term (HODL)
You want passive income without selling your assets
You use reliable platforms and diversify
⛔ It is not recommended if:
You need quick access to your funds
You don’t fully understand the technical or platform risks
📝 Conclusion
Cryptocurrency staking can offer consistent returns without the need for active trading, but it’s key to choose the right currency and platform and understand the risks. In 2025, with the growth in crypto adoption, staking remains a real passive income opportunity.